Hyundai Kona Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 6, 2023

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Average insurance prices for a Hyundai Kona are $1,186 every 12 months for full coverage. Comprehensive insurance costs on average $240, collision insurance costs $446, and liability insurance is $364. A policy with just liability insurance costs around $416 a year, and coverage for high-risk drivers costs $2,572 or more. Teen drivers receive the highest rates at up to $4,466 a year.

Average premium for full coverage: $1,186

Rate estimates by individual coverage type:

Comprehensive $240
Collision $446
Liability $364

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different Kona trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from the cheapest price of $416 for just liability insurance to a much higher rate of $2,572 for a driver required to buy high-risk insurance.

Liability Only $416
Full Coverage $1,186
High Risk $2,572

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas tend to have more infrequent accident claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $890
Small Cities $1,245
Large Cities $1,601

These examples show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, rather than relying on price averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Details

The chart below shows average Hyundai Kona insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $681
  • Raising to $1,000 deductibles will save around $156 a year
  • The average price for a 40-year-old driver with $500 deductibles is $1,186
  • Choosing more expensive low deductibles costs an extra $302 a year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,572
  • The cost to insure a teen driver with full coverage may cost $4,466

View Chart as Image

Hyundai Kona insurance cost comparison chart
Column chart showing Hyundai Kona insurance prices range from $681 to $4,466 for full coverage

Insurance rates for a Hyundai Kona can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Kona.

Choosing high deductibles can reduce rates by up to $460 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $327 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay upwards of $4,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,400 to $2,000 additional per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 131% more than average. View High Risk Driver Rates

Where you live also has a big influence on Hyundai Kona insurance rates. A middle-age driver might find rates as low as $780 a year in states like Idaho, Maine, and Iowa, or as much as $1,690 on average in Michigan, Louisiana, and New York.

Hyundai Kona Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,072 -$114 -9.6%
Alaska $910 -$276 -23.3%
Arizona $982 -$204 -17.2%
Arkansas $1,186 -$0 0.0%
California $1,350 $164 13.8%
Colorado $1,130 -$56 -4.7%
Connecticut $1,216 $30 2.5%
Delaware $1,338 $152 12.8%
Florida $1,480 $294 24.8%
Georgia $1,096 -$90 -7.6%
Hawaii $852 -$334 -28.2%
Idaho $804 -$382 -32.2%
Illinois $882 -$304 -25.6%
Indiana $894 -$292 -24.6%
Iowa $800 -$386 -32.5%
Kansas $1,126 -$60 -5.1%
Kentucky $1,616 $430 36.3%
Louisiana $1,754 $568 47.9%
Maine $734 -$452 -38.1%
Maryland $980 -$206 -17.4%
Massachusetts $946 -$240 -20.2%
Michigan $2,058 $872 73.5%
Minnesota $994 -$192 -16.2%
Mississippi $1,420 $234 19.7%
Missouri $1,052 -$134 -11.3%
Montana $1,274 $88 7.4%
Nebraska $934 -$252 -21.2%
Nevada $1,422 $236 19.9%
New Hampshire $854 -$332 -28.0%
New Jersey $1,326 $140 11.8%
New Mexico $1,050 -$136 -11.5%
New York $1,248 $62 5.2%
North Carolina $682 -$504 -42.5%
North Dakota $972 -$214 -18.0%
Ohio $818 -$368 -31.0%
Oklahoma $1,216 $30 2.5%
Oregon $1,086 -$100 -8.4%
Pennsylvania $1,130 -$56 -4.7%
Rhode Island $1,580 $394 33.2%
South Carolina $1,074 -$112 -9.4%
South Dakota $1,000 -$186 -15.7%
Tennessee $1,038 -$148 -12.5%
Texas $1,430 $244 20.6%
Utah $876 -$310 -26.1%
Vermont $810 -$376 -31.7%
Virginia $710 -$476 -40.1%
Washington $914 -$272 -22.9%
West Virginia $1,088 -$98 -8.3%
Wisconsin $818 -$368 -31.0%
Wyoming $1,054 -$132 -11.1%

View Chart as Image

Hyundai Kona insurance rates by U.S. city
Hyundai Kona Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Hyundai Kona $240 $446 $364 $1,186
2018 Hyundai Kona $226 $430 $376 $1,168

Rates are averaged for all Hyundai Kona models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Cheaper Hyundai Kona Insurance

Saving money on Hyundai Kona insurance consists of being a good driver, having above-average credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Set aside time to compare rates at every policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a condensed summary of the data covered above.

  • Drivers who require an increased level of liability coverage will pay about $400 each year to raise from a minimum limit to a 250/500 level
  • Drivers can save as much as $140 per year just by shopping early and online
  • Increasing deductibles could save as much as $450 each year
  • Drivers age 16 to 20 pay higher rates, costing as high as $372 per month if full coverage is included

Rates by Driver Age

Hyundai Kona Insurance Rates by Driver Age
Driver Age Premium
16 $4,466
20 $2,744
30 $1,234
40 $1,186
50 $1,086
60 $1,066

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Kona Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,488
$250 $1,348
$500 $1,186
$1,000 $1,030

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Kona Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,186
50/100 $1,259
100/300 $1,350
250/500 $1,586
100 CSL $1,295
300 CSL $1,495
500 CSL $1,641

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Kona Insurance Rates for High Risk Drivers
Age Premium
16 $6,372
20 $4,368
30 $2,624
40 $2,572
50 $2,454
60 $2,432

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $166

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $63
Homeowner $18
5-yr Accident Free $87
5-yr Claim Free $77
Paid in Full/EFT $54
Advance Quote $59
Online Quote $84
Total Discounts $505
Rate after discounts $681

Discounts are estimated and may not be available from every company or in every state.

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